Post the Financial Conduct Authority’s Retail Distribution Review (RDR), the world has changed significantly, and clients are demanding far greater levels of advice rather than the product that an institution wishes to sell them. KPMG state:

“The minority which transition successfully into Wealth Managers will do so partly because they have a head start. Fee-based, new model IFAs have been transitioning for more than a decade, since the forerunners of RDR (the Sandler Review, Depolarisation, etc) and the arrival of wrap platforms which enable fee-based business models.”

• transitioned from dependency on product commissions to focus on clear advice, transaction and administration fees

Our services are centred around providing financial advice and planning, in the role of ‘trusted adviser’. In designing, implementing and operating a client’s long-term financial plan, our advisers work alongside the client in selecting and monitoring third party services to execute the plan in a holistic manner at a fair cost representative of the work involved.

"Honesty is a very expensive gift. Do not expect it from cheap people." ~ Warren Buffet

This relationship-led model epitomises our transition to a true Wealth Management firm, leaving behind a product-led model, which measures value purely in terms of assets gathered, to one that focuses on the client as the main lever of value.

In this way we can differentiate ourselves from other Wealth Managers that have often struggled to incorporate financial advisory capabilities into the traditional model in which the relationship manager is also the portfolio manager. Firms that have introduced financial planning and pension advisers, commonly treat this as ancillary to “running the money” rather than as a means to build more holistic relationships.

We are able to offer a financial planning service that evolves as clients’ needs and circumstances evolve. This will require regular reviews that may call for strategic or tactical adjustment to investment, credit or protection programmes or require other advisory or administrative services. We firmly believe that financial planning should inform the investment decision and not be an optional bolt-on. This further differentiates our services from classic banking or investment management-led relationship management models that tend to focus on specific product sets, and constitutes, therefore, a narrower base for ongoing services. We will take time to consider the whole picture and plan accordingly.

External Fund Management Platform Access:

Select your platform below to login.

For assistance or if you have any problems logging in pleaseclick here.